Automatic transaction machine

ABSTRACT

An automatic transaction machine including reading device for reading data recorded in a transaction medium for an user, an operation guidance device for guiding an operation for the user. an input device for imputting necessary data input by the user according to the operation guidance device and a controller which selectively executes operation of the machine in a first input processing mode and in a second input processing mode in accordance with the read data. In the first mode, the controller controls the operation guidance device so that a transaction amount is input through the input means directly after a validity check of the read data without inputting a secret number for identifying the user. In the second mode, the controller controls the operation guidance device so that the transaction amount is input after inputting the secret number through the input device after the validity check.

BACKGROUND OF THE INVENTION

1. Field of the Invention

The present invention relates to an automatic transaction machine bywhich transactions are automatically executed upon user operation, usinga transaction medium such as a card or a passbook. In particular, itrelates to an improved structure wherein the input manipulation can besimplified and thus the transaction time is shortened.

2. Description of the Related Art

Automatic machines by which transactions are automatically executed withthe use of a transaction medium such as a card or a passbook are widelyutilized in banking field.

It is desirable to simplify the input manipulation from the stand pointof convenience for the user. However, the input data obtained from theuser manipulation is very important since transactionpermission/rejection is determined from the data.

FIG. 14 is a flow chart of a prior art sequence of a transactionfunction executed by an automatic machine. The sequence is begun by theinsertion of transaction medium by the user and is ended when thetransaction medium is returned to the user.

First, the transaction medium is inserted into the machine and amagnetic stripe provided on the medium is read by the machine to checkthe data. Various data, such as a branch code, an account number, avalidity code, and an identification number are recorded on the magneticstripe, and therefore, the validity of the transaction medium and theaccount number can be checked by reading that data.

When the validity is confirmed by the check, the user then inputs anidentification number, which is compared with the number recorded on thetransaction medium. When the check is positive, the machine determinesthat there are no obstacles to starting a transaction.

Subsequently, the user inputs a desired transaction amount, which is thefinal step in the input operation process.

The machine then communicates with a host computer in accordance withthe input data, and the host computer identifies the account number,renews the data, determines the permission/rejection of the transaction,and then transmits direction signals. If a transaction permission signalis received, the machine carries out the transaction by, e.g., countingand discharging bills. Then the transaction data is printed in a receiptor the passbook, and subsequently, the transaction medium is dischargedfrom the machine to end the transaction.

In the above mentioned conventional automatic transactions, the user isrequired at least to insert the transaction medium and input the secretnumber and transaction amount, which makes the transaction manipulationinconvenient, thus making the transaction time long.

SUMMARY OF THE INVENTION

An object of the present invention is to provide an input an automatictransaction machine wherein the input manipulation is simplified toshorten the transaction time.

In accordance with the present invention, there is provided an anautomatic transaction machine comprising reading means for reading datarecorded in a transaction medium of an user, operation guidance meansfor guiding an operation for said user, input means for inputtingnecessary data by the user according to the operation guidance means anda controller which selectively executes operation of the machine in afirst input processing mode and in a second input processing mode inaccordance with the rear data, wherein in said first mode, saidcontroller controls said operation guidance means so that a transactionamount is input through said input means directly after a validity checkof the read data without inputting a secret number, and in said secondmode, said controller controls said operation guidance means so that thetransaction amount is input after inputting the secret number throughsaid input means after the validity check.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 is an explanatory view of the principle of the present invention;

FIG. 2 is a constructional view of an embodiment of the presentinvention;

FIG. 3 is an explanatory view of a transaction medium used in thepresent invention;

FIGS. 4(A) and 4(B) are flow charts of a transaction process accordingto the present invention.

FIGS. 5 and 6 are explanatory views of the display by the automaticmachine used in the present invention;

FIG. 7 is an explanatory view of a passbook printing mode in a quickservice operation;

FIG. 8 is an explanatory view of a passbook printing mode in an ordinarydevice operation;

FIGS. 9 to 11 are explanatory views of different embodiments of thepresent invention;

FIG. 12 is a flow chart of the transaction process of the embodiment ofFIG. 11;

FIG. 13 flow chart of the process in the host computer of the embodimentof FIG. 11; and

FIG. 14 is an explanatory view of a prior art process.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

A principle of the present invention is explained hereinafter withreference to FIG. 1. In accordance with the present invention, the inputprocess after insertion of the transaction medium comprises a first modeand a second mode. A controller selects the first mode or the secondmode.

In the first mode, a transaction amount is input directly after avalidity check of the transaction data, without inputting a secretnumber of identifying the user. Whereas, in the second mode, atransaction amount is input after inputting the secret number after thevalidity check.

The transaction mode is selected in accordance with the data (e.g. agrade of a customer) recorded in the transaction medium.

In the first transaction mode of the present invention, inputmanipulation by the user is simplified, thus reducing the transactiontime, since the transaction is executed without inputting the secretnumber for identifying the user.

The user who is eligible to utilize this first transaction mode is thecustomer of high grade or having large amount of deposit. Theeligibility for utilizing the first transaction mode is recorded in thetransaction medium.

Adverse affection to the security of the account is minimized, since theauthorized user of this first mode is supposed to carefully keep thetransaction medium (card or passbook), since the user is informed ofthat withdrawal is possible without identifying the user.

For the person who utilizes the second transaction mode, the security ofthe account is guaranteed since the withdrawal is only possible afteridentifying the user.

An embodiment of a deposit and withdrawal automatic machine used in thepresent invention is illustrated in FIG. 2. Numeral 1 designates a cardreader - imprinter - printer (CIP). A card CD having a magnetic stripethereon is inserted into the CIP 1 which reads data written on themagnetic stripe of the card CD, imprints the embossed number on areceipt, and prints the transaction data on the receipt, which is thendispensed to the user together with the card CD. Numeral 2 designates apassbook printer. A passbook PB having a magnetic stripe thereon isinserted into the printer 2, which reads data written on the magneticstripe of the passbook PB and prints the transaction data in thepassbook PB, which is then dispensed to the user. Numeral 3 designates acash counter for counting paper currency PC from a bill container anddispensing bills in accordance with the transaction order. Numeral 4designates an envelope depository which first ejects an envelope andthen ingests it after the user has enclosed paper currency PC or a checkCH therein. An operation panel 5 comprises first input-keys 52 forguiding the operation of the machine by the user, and disposed on bothsides of a display 51 and second input keys 50 for data input by theuser.

Numeral 60 designates a main controller comprising a micro-computerwhich controls the functions of the machine in accordance with aprogram. Numeral 61 designates a card controller which controls thefunctions of the CIP 1 in accordance with a control signal from the maincontroller 60. The main controller 60 also controls a passbookcontroller 62 for operating the passbook printer 2, a dispensecontroller 63 for operating the envelope depository 4, and an operationcontroller 65 connected to the operation panel 5. Numeral 66 designatesa memory for memorizing program data required for operating the maincontroller 60. The memory 66 comprises a transaction indication register66a, a magnetic strip buffer 66b, and a communication buffer 66c.Numeral 67 designates a circuit controller through which thecommunication with a host computer is conducted in accordance with thecommands from the main controller 60. Numeral 68 designates floppy discdrive which constitutes an external memory device in which floppy disc68a and 68b are set. The floppy disc 68a stores, for example, forbiddenaccount numbers and bank table off-line transaction data. The floppydisc 68b stores, for example, programs for operation of the machine.Numeral 69 designates a floppy disc controller which controls the floppydisc drive 68 for read and write operations forward to the floppy discs68a and 68b in accordance with commands from the main controller 60.

Accordingly, this automatic transaction machine has a medium treatmentsection comprising the CIP 1 and the passbook printer 2, a dispensingsection comprising the cash counter 3, a deposit section comprising theenvelope depository 4, and an operation section comprising the operationpanel 5. The automatic transaction machine constitutes a multi-functionmachine for the deposit, withdrawal and transferring of money with theuse of a card or passbook.

FIG. 3 is an explanatory view of a transaction medium used in thepresent invention.

The card CD has a magnetic stripe MS thereon, as illustrated in FIG.3(A). Transaction data, such as the grade of the customer (GD) andcredit balance (withdrawal amount from the credit amount during apredetermined term) (CC) are recorded on the magnetic stripe MS.

The passbook PB has a similar magnetic stripe MS on the backcoverthereof, as illustrated in FIG. 3(B).

The grade of the customer GD is qualification data, and selection of thefirst transaction mode, including the brief printing mode, ispermissible only for a user having a predetermined grade GD.

The credit balance CC restricts the withdrawal amount through the firsttransaction mode to minimize losses if the transaction medium (card orpassbook) is lost or stolen.

A flow chart of an embodiment of the present invention is shown spanningFIGS. 4(A) and 4(B). The various displays for guiding the operation inFIGS. 4(A) and 4(B) are illustrated in FIGS. 5 and 6. The differentprinting modes are illustrated in FIGS. 7 and 8.

In this embodiment, two transaction modes are selectable in a withdrawaltransaction, which is the most frequently used transaction in theautomatic machine. One is a first transaction mode which executes aquick service transaction, and the other is a second transaction modewhich executes an ordinary transaction. Transactions other thanwithdrawals, such as deposit and balance inquiry, are executed only inthe ordinary transaction mode (second transaction mode).

1 In the waiting state before a card insertion, a display of the quickservice operation as illustrated in FIG. 5(A) is shown on the display 51of the operation panel 5. This quick service display gives operationguidance lines, such as "insert card or passbook" and "press desiredtransaction service button". Each of the transaction buttons(input-keys) 52 disposed on both sides of the display 51 corresponds toone of the displays of fixed amount of withdrawal, e.g., from $10 to$200, or displays "other transactions".

In this state, a card CD or a passbook PB is inserted to the CIP 1 or PBprinter 2, which then reads transaction data written on the magneticstripe MS. The read data is transmitted to the main controller 60through the card controller 61 or the PB controller 62 and stored in themagnetic strip buffer 66b in the memory 66.

The main controller 60 checks the validity of the transaction medium inaccordance with the data stored in the magnetic stripe buffer 66b, bychecking the branch code, validity code, and account number.

2 If the validity check shows that the transaction is not permissible,the operation panel 5 shows a card ejection display or a passbookejection display through the operation controller 65, as illustrated inFIGS. 6(B) or 6(E), and the card or passbook is then returned to theuser.

3 On the other hand, if the validity check shows that the transaction ispermissible, then the main controller 60 checks the grade of thecustomer from the data in the buffer 66b, to determine whether or not aquick service transaction is permissible.

If the quick service transaction is permissible, a quick servicewithdrawal is registered in the transaction register 66a of the memory66, in order to receive an input from a selected key button 52 in FIG.5(A). When the user pushes one of the keys 52, the selected transactioninput is transmitted to the main controller 60 through the operationcontroller 65.

If "other transactions" is selected, the main controller 60 cancels thequick service withdrawal registered in the transaction register 66a andchanges (rewrites) it to an ordinary transaction represented in step 4of the flow chart of FIG. 4(A).

On the other hand, if the user selects one of the fixed amountwithdrawal buttons (FIG. 5(A)), the main controller 60 compares theinput amount with the credit balance CC memorized in the buffer 66b ofthe memory 66. If the input amount is more than the credit amount, themain controller 60 cancels the quick service transaction and changes aquick service withdrawal registered in the transaction register 66a tothe ordinary withdrawal transaction of step ○4 the flow chart.

As can be seen from the above explanation, the quick service transactionis limited to the fixed amount withdrawal shown in the display of FIG.5(A). Withdrawal transactions for amounts other than the displayedamount, or other transactions such as deposit or balance inquiry, areexecuted in the ordinary transaction mode.

4 If the quick-service transaction is not permissible in step 3 , themain controller 60 registers the ordinary transact in the transactionregister 66a of the memory 66.

Subsequently, "input secret number" is displayed in the display 51 ofthe operation panel 5, as illustrated in FIG. 5(B). This display of FIG.5(B) is also shown when the quick service transaction is cancelled instep ○3 , as mentioned above.

The secret number for identifying the user is input by the user bypushing second keys 50 (FIG. 2), and the input number is transmitted tothe main controller 60 through the operation controller 65. The maincontroller 60 compares the input secret number with the identificationnumber memorized in the magnetic stripe buffer 66b of the memory 66.

If the input number does not coincide with the registered number theprocess goes back to step 2 , and the card or the passbook is returnedto the user.

On the other hand, if the input secret number coincides with theregistered number, "select service" is displayed in the display 51 ofthe operation panel 5, as illustrated in FIG. 5(C). The user pushes adesired input key 52 selected from among the "withdrawal", "deposit","balance inquiry", "transaction inquiry", and "transfer funds" keys.

If the user selects the withdrawal transaction, the main controller 60registers the ordinary withdrawal transaction in the register 66a anddisplays a withdrawal amount selection display, as illustrated in FIG.5(D), on the display 51 of the operation panel 5. The display of FIG.5(D) shows a fixed amount of either $100, $200, $300, or $500, which canbe input by pushing one of the first input-keys 52. A withdrawal amountother than the displayed fixed amount is input by pushing the secondinput-keys 50 (FIG. 2).

If a transaction other than "withdrawal" is selected in the display ofFIG. 5(C), the main controller 60 registers the selected transaction inthe register 66a and executes the selected transaction. For example, if"balance inquiry" or "transaction inquiry" is selected, the process goesto step 5 without further data input. If "deposit" is selected, theenvelope depository 4 is driven. If "transfer funds" is selected, thetransfer amount and account number must be input.

Accordingly, the input process ends at step 3 or 4 .

5 The main controller 60 sends a communication message to the hostcomputer in accordance with the data recorded in the transactionindication register 66a. If the quick service transaction is registered,the communication message comprises a header portion (kind of message(quick trans.), kind of medium) and a data portion (data, input amount,PB (or card) data), as illustrated in FIG. 7(A). If the ordinarytransaction is registered, the communication message comprises a headerportion (kind of message (ordinary trans.), kind of medium) and a dataportion (data, input amount, input secret number, PB (card) data), asillustrated in FIG. 8(A).

6 The main controller 60 transmits the communication message to the hostcomputer through the circuit controller 67, and the display 51 of theoperation panel 5 displays "Processing Please Wait", as illustrated inFIG. 6(A).

When receiving the message shown in FIG. 7(A) or 8(A), the host computerchecks the user's account recorded in the account file and decideswhether or not to permit the transaction. The host computer then renewsthe user's file. Subsequently, the host computer transmits a transactionpermission/rejection message to the main controller through the circuitcontroller 67. The main controller 60 stores the message in thecommunication buffer 66c, and then analyzes the message.

If a transaction rejection message is included in the header portion ofthe message to the main controller 60, the process returns to step 2 ofFIG. 4(A) and the card or passbook is ejected.

○7 If a transaction permission message is transmitted to the maincontroller 60, the main controller 60 determines the kind of transactionfrom the data recorded in the transaction register 66a, and if a processother than the quick service transaction is desired, the flow goes tostep ○9 .

8 In the quick service transaction using a passbook, the main controller60 drives the cash counter 3 to count the required amount of billsthrough the dispense controller 63, in accordance with the message fromthe host computer and the input withdrawal amount recorded in step 3 .

At the same time, the magnetic stripe data and the printing data aretransmitted to the passbook controller 62 which drives the passbookprinter 2 to renew the data of the magnetic stripe and print the data inthe passbook.

The printing data transmitted from the host computer includes only thelatest data of the transaction now under execution. Therefore, the briefprinting mode wherein only the latest transaction data is printed isexecuted in the quick service transaction. Namely, even if there is datarecorded in the file of the host computer, and data is not printed inthe passbook, the not-printed data of the former transactions is nottransmitted to the main controller. Therefore, the printing time isshortened in the quick service transaction. In this printing process thebalance is not printed to avoid confusing the user, since the formertransaction data is not printed on the passbook.

The display 51 then displays "remove passbook", as illustrated in FIG.6(B) and the passbook is ejected from the PB printer 2.

The display 51 then displays "remove notes", as illustrated in FIG.6(C), the required amount of notes is ejected from the cash counter 3,and thus the transaction is completed.

○9 In the withdrawal transaction using a card instead the passbook isstep ○7 , the main controller 60 transmits required withdrawal amountinput in step ○3 to the dispense controller 63 and drives the cashcounter 3 to count the required amount of cash.

At the same time, the main controller 60 drives the CIP 1 through thecard controller 61 to imprint the embossing of the card on the receiptand print the data on the receipt and renew the magnetic stripe MS.

The display 51 then displays "remove card", as illustrated in FIG. 6(D),and the card and the receipt are ejected from the CIP 1.

Then the display 51 displays "remove notes", as illustrated in FIG.6(C), and the required amount of notes is ejected from the cash counter3, and thus the transaction is completed.

○10 In an ordinary transaction other than the quick service transactionin step ○7 , the main controller 60 determines the kind of and mediumfrom the data recorded in the transaction register 66a. In the case of acard withdrawal transaction, the process is executed in accordance withstep ○9 , and in the case or a passbook transaction, the process goes tostep ○11 .

In the case of a card transaction other than a card withdrawaltransaction, the main controller 60 drives the CIP 1 through the cardcontroller 61 to imprint the embossing the card or the receipt and printthe data on the receipt and renew the data recorded in the magneticstripe MS.

The display 51 then displays "remove card and receipt", as illustratedin FIG. 6(D), and the card and the receipt are ejected from the CIP 1,and thus the transaction process is ended.

○11 In the case of a transaction other than the card transaction in step○10 , the process is executed according to whether or not thetransaction is a withdrawal.

In the case of a withdrawal transaction using a passbook, the maincontroller 60 drives the cash counter 3 through the dispense controller63 to count the required amount of cash, and at the same time, the maincontroller 60 drives the passbook printer 2 through the passbookcontroller 62 to renew the data of the magnetic stripe of the passbook.

The display 51 then displays "remove notes", as illustrated in FIG.6(C), and the required amount of notes is ejected from the cash counter3. The process then goes to the passbook printing step.

In the printing step of the transaction other than the quick servicetransaction using the passbook, the former transaction data recorded inthe file of the computer, but not printed in the passbook, is printed inthe passbook together with the data of the latest transaction now underexecution, as illustrated in FIG. 8(B).

The display 51 then display "remove passbook", as illustrated in FIG.6(B), and the passbook is ejected from the passbook printer 2, and thusthe process is ended.

As mentioned above, in the quick service transaction, only a fixedwithdrawal amount transaction is possible, so that the input operationis simply done by pushing one of the input-keys 52 of FIG. 5(A). Also,in the quick service transaction, only the data of the latesttransaction is printed in the passbook. Therefore, the inputmanipulation becomes very easy and the printing time is shortened, whichreduces the overall transaction time.

On the other hand, in the ordinary transaction, any desired withdrawalamount and transactions other than a withdrawal are made possible byinputting a secret number and the transaction amount in the conventionalway. Also, all of the not-printed data of former transactions is printedin the passbook in the same manner as in the conventional printing mode.

When the quick service transaction is permissible, the user can selectthe other transactions in step ○3 instead of using the quick servicetransaction mode, whereby the user can indicate any desired withdrawalamount and print the former not-printed data in the passbook inaccordance with the ordinary printing mode.

Further, in the case of the quick service transaction, the service modeis automatically changed to the ordinary transaction if the withdrawalamount is more than the users credit balance, which guarantees thetransaction security since the user must be identified by a secretnumber.

The credit balance is the maximum withdrawal amount by the quick serviceoperation in one day or during a predetermined number of days, and isrenewed after every quick service transaction.

The above mentioned embodiment comprises a multifunction automaticmachine which executes various transactions such as withdrawal, deposit,transfer, etc. However, the present invention can be applied to a singlefunction automatic machine which executes only withdrawal transaction.The present invention can be also applied to an automatic machine whichexecutes transactions using either card or passbook.

The transaction data may be printed in the passbook in the ordinaryprinting mode instead of the brief printing mode, in the quick servicetransaction. Also, it is possible to arrange so that a desiredwithdrawal amount can be input instead of the fixed amounts in the quickservice transaction as in the above mentioned embodiment. Also, thesecret number may be checked by the host computer instead of checking itby the terminal equipment.

The present invention can be modified in various way within the scope ofclaim for the invention.

As mentioned above, in accordance with the present invention, thetransaction can be executed without inputting the secret number by usingthe transaction medium for the authorized person in the first inputprocessing mode, whereby the input manipulation by the user issimplified and the transaction time is shortened, which promotes thetransactions by using the automatic machine.

FIG. 9 is an explanatory view of another embodiment of the presentinvention. In this embodiment, there are two transactions modes, i.e. afirst transaction mode wherein withdrawal is possible without inputtingsecret number of the user and a second transaction mode whereininputting secret number is necessary to withdraw money. The transactionmode is automatically selected by a controller in accordance withtransaction data (e.g. data of a grade of a customer) recorded in thetransaction medium. The first mode can be utilized only by authorizedperson. Whereas the second mode can be utilized by ordinary person. Theembodiment is characterized in that, during the procecution of the firstmode transaction, if the input withdrawal amount exceeds a predeterminedlimit, the transaction mode is automatically changed to the ordinarysecond mode wherein the user is requested to input the identificationsecret member.

In the first transaction mode of the embodiment, the authorized user canwithdraw money from the account without inputting the secret number,which makes the input process simplified and transaction time reduced.

However, transaction permission in the first mode is determined onlyfrom the read data recorded in the transaction medium withoutidentifying the user, which causes a problem that if the transactionmedium is lost or stolen, the medium is abused by a third person. Inthis embodiment, a withdrawal limit is settled in the first modetransaction. If the withdrawal amount input by the user exceeds thelimit, the transaction mode is changed to the second mode wherein theuser is required to input the secret number for identification, thusguaranteeing the security of the simplified withdrawal transaction.

By settling the upper limit of withdrawal amount, it is possible tominimize the damage when the transaction medium is stolen or lost. Theauthorized user can withdraw more than the limited amount by changingthe transaction mode to the second mode inputting the secret number.

FIG. 10 is an explanatory view of further embodiment of the presentinvention. In this embodiment, there are two transaction modes, i.e. afirst transaction mode and a second transaction mode. A controllerautomatically selects the transaction mode in accordance with the data(such as a grade of a customer) recorded in the user's transactionmedium. When the controller selects the first mode by reading the dataof the medium, the user can change the mode to the second mode bymanually inputting the command to change the mode. By this arrangement,various kind of transactions other than withdrawal can be utilized bythe use of the transaction medium of the person authorized to utilizethe first transaction mode.

FIG. 11 is an explanatory view of still another embodiment of thepresent invention. The reference TE designates a terminal equipment,such as a POS terminal device of an automatic transaction machine,having means for reading the transaction medium and means for inputtingthe secret number. A host computer HOST has a file of user's accountsand checks the file in accordance with a transaction requirement messagefrom the terminal equipment to determine transactionpermission/rejection. If the account is a suspicious one, the hostcomputer transmits a secret number input command message to the terminalequipment.

The host computer HOST receives the transaction requirement messagewithout secret number and check the corresponding account in the file.If the account is suspicious, i.e. for example the account is reportedto be stolen or lost or the number of withdrawal transaction orwithdrawal sum in the day exceeds a predetermined limit, the hostcomputer commands to the terminal equipment to input the secret number.

In this embodiment, transaction is basically carried out withoutidentifying the secret number. Inputting the secret number is requiredonly when the transaction account is a suspicious one. Therefore, ifthere is no obstacles in the data of the account, it is possible totransact without inputting the secret number, which makes thetransaction process simplified. Also, it is possible to avoid abuse ofthe transaction medium by a person other than the authorized user, bychecking the account and commanding to input the secret number if theaccount is a suspicious one.

The transaction processing flow of this embodiment differs from that ofFIG. 4 only in step ○6 which is a communication step with the hostcomputer. Other steps of the flow is the same as those of FIG. 4.

The flow chart of the communication step with the host computer isrepresented in FIG. 13.

In the aforementioned checking process of the account, if the quickservice transaction is required, the host computer executes the processshown in FIG. 13.

○a The host computer receives a transaction requirment message from theterminal equipment and recognizes the quick service withdrawalrequirement. Then, the host computer checks the account in the file.

In the account file are stored, flags such as forbidden accountsreported to be stolen and gray accounts reported to be lost. Also, dataof number of transaction in quick service made and the sum of thewithdrawal amount in the same day and the balance for quick servicetransaction and stored in the file.

The host computer checks the file. If the account is a forbidden one,the host computer transmits a transaction rejection message to theterminal equipment.

○b If the account is not a forbidden one, the host computer furtherchecks if it is a gray account or not. If it is a gray account, the hostcomputer transmits a secret number input indication message.

When a secret number message is transmitted from the terminal equipment,the host computer compares the secret number input by the user with theregistered identification number.

If the transmitted secret number does not coincide with the registerednumber, the host computer commands to input the secret number again.Such an identification operation is repeated is repeated three times. Ifthe correct secret number is not transmitted from the terminal equipmentat the third time, the host computer transmits a transaction rejectionmessage.

○c If the above mentioned check results are pos then the host computerchecks whether the number of the quick service withdrawal operation inthe day is within a predetermined limit or not.

If the quick service withdrawal operation was already carried out morethan the limited times in the day, then the host computer checks if theuser input the secret number in the former quick service transaction inthe day. If the user input the secret number in the former transaction,the user is supposed not to be the authorized person and the hostcomputer transmits a transaction rejection message.

On the other hand, if the user did not input the secret number in theformer quick service transaction in the day, the same checking processas step ○b is executed.

○d If the number of quick service operation in the day is within thelimit or the secret number input by the user is correct in the abovementioned step ○c , the host computer checks whether or not the sum ofthe withdrawal amount in the day exceeds a predetermined limit. If itexceeds the limit, the host computer checks if the user input the secretnumber in the former quick service transaction in the day, in thesimilar way mentioned in the above step ○c , If the user input thesecret number in the former quick service transaction, the host computertransmits a transaction rejection message. On the other hand, if theuser did not input the secret number in the former quick servicetransaction, the host computer transmits a secret number input commandmessage and executes the same process hereinafter as in step ○b .

○c If the with sum is within the limit or the user input the correctsecret number in the above step ○d , the host computer checks whether ornot the balance for the quick service transaction is sufficient for thewithdrawal amount input by the user. If the balance is insufficient, thehost computer transits a second mode command message to the automaticmachine. Thus, the quick service transaction mode is changed to theordinary transaction mode (second mode) and the transaction is executedin accordance with step ○4 of FIG. 4(A). On the other hand, if thebalance is sufficient, the host computer renews the data of the numberof the quick service withdrawal transactions in the day, the withdrawalsum is the day, the balance for the quick service transaction and thebalance of the account, and transmits a transaction permission message.

As mentioned above, in the quick service transaction, the host computerexecutes various checks and, if one of the checks is not permissible,commands to input the secret number to identify the user. Once thesecret number input process is executed, then in the subsequentprocesses if one of the checks are not permissible, the host computertransmits a transaction rejection message without commanding to inputthe secret number again.

On the other hand, in the process of the ordinary transaction, the hostcomputer transmits a transaction rejection message if one of the checksis not permissible, or a transaction permission message if all of thechecks are permissible.

I claim:
 1. An automatic transaction machine .Iadd.for processing data including grade data indicating a level of a card owner, the data being recorded on a transaction medium, .Iaddend.comprising:reading means for reading .Iadd.the .Iaddend.data recorded on .[.a.]. .Iadd.the .Iaddend.transaction medium .[.for a user.].; validity checking means for checking the validity of the data read by said reading means; operation guidance means for providing operation guidance information to .[.the.]. .Iadd.a .Iaddend.user .Iadd.of said machine.Iaddend.; input means for imputting data input by the user in response to said operation guidance information; and control means, having first and second input processing modes, for selecting the first input processing mode .Iadd.in accordance with the grade data so as .Iaddend.to control said operation guidance means so that a transaction amount can be immediately input through said input means directly after a validity check of the read data, and for selecting the second input processing mode .Iadd.in accordance with the grade data so as .Iaddend.to control said operation guidance means so that the transaction amount can be input only after inputting a user identification number through said input means after the validity check.
 2. An automatic transaction machine according to claim 1, wherein said control means comprises;means for checking the transaction amount and for changing the automatic transaction machine from the first input processing mode to the second input processing mode when the transaction amount exceeds a predetermined limit.
 3. An automatic transaction machine according to claim 1, wherein said control means includes means for changing the operation mode from the first input processing mode to the second input processing mode in response to a second mode command input through said input means.
 4. An automatic transaction machine according to claim 3, wherein said control means further comprises;(a) memory means for storing a first guidance pattern including information for insertion of the transaction medium into said reading means, for selection of withdrawal amount and for selection of another transaction, and a second guidance pattern including information for selection of a transaction from a plurality of transactions, means for providing the first guidance pattern to said operation guidance means according to the selection of a transaction, and means for performing transactions selected from the second guidance pattern in said second mode.
 5. An automatic transaction machine according to claim 1 further including;host computer means, connected to said control means, for verifying the processing mode of said control means, and for providing a transaction message to said control means in response to said verifying, and wherein said control means includes means for communicating with said host computer control means from the host computer.
 6. An automatic transaction machine according to claim 1, wherein said operation guidance means comprises a display means for displaying the guidance information instructing the user to input the transaction medium and for displaying fixed transaction amounts for the user utilizing the first mode transaction, before insertion of the medium.
 7. A control system for an automatic transaction machine having an operation mode and having a reading means for receiving a transaction medium and reading data recorded on the transaction medium .Iadd.including grade data indicating a level of a card owner, .Iaddend.an input means operable by a user for inputting data, and a display means for displaying information regarding operation of said input means for the user, said control system comprisingvalidity-checking means for checking data read by the reading means from the transaction medium and confirming whether the transaction medium is valid, a mode-selection means for determining whether the operation mode of said machine is a quick transaction mode or an ordinary transaction mode in accordance with said .Iadd.grade.Iaddend., data read by the reading means from the transaction medium when the transaction medium is valid, a first transaction-processing means for selectively inputting one of a withdrawal amount and an ordinary transaction command for selection of an ordinary transaction mode through the input means, without requesting input of an identification number for identifying the user, when the quick transaction mode is selected; and a second transaction-processing means for inputting the ordinary transaction command for selection of the ordinary transaction mode through the input means only after an identification number identifying the user is input through the input means and validated by said validity checking means when the ordinary transaction mode is selected, said second transaction-processing means comprising means for permitting input of a withdrawal amount when the ordinary transaction command is input through said input means.
 8. A control system is recited in claim 7, wherein said first transaction-processing means comprises;first transaction-changing means for changing the operation mode of said automtic transaction machine from the quick transaction mode to the ordinary transaction mode when the ordinary transaction mode command is input through the input means.
 9. A control system as recited in claim 7, wherein said first transaction-processing means comprises;first transaction-changing means for checking the withdrawal amount input through the input means and changing the operation mode of said automatic-transaction machine from the quick transaction move to the ordinary transaction move when the withdrawal amount input through the input means exceeds a predetermined limit.
 10. A control system as recited in claim 8, wherein said first transaction-processing means further comprises;a second transaction-changing means for checking the withdrawal amount input through the input means and changing the operation mode of said automatic-transaction machine from the quick transaction mode to the ordinary transaction mode when the withdrawal amount input through said input means exceeds a predetermined limit.
 11. A control system for an automatic transaction machine according to claim 7, further comprising;first information-providing means for providing a first guidance pattern to the user on the display means before the transaction medium is inserted into the reading means and for maintaining, when the quick transaction mode is selected, the first guidance pattern on the display means until the withdrawal amount or the ordinary transaction command is input through the input means, said first guidance pattern including information for insertion of the transaction medium into the reading means, selection of the withdrawal amount and selection of the ordinary transaction mode; second information-providing means for providing a second guidance pattern to the user on the display means when the ordinary transaction mode is selected and for maintaining said second guidance pattern on the display means until the identification number is input through the input means, said second guidance pattern including information for input of the identification number, third information-providing means for providing a third guidance pattern to the user on the display means when the validity of the identification number input through the input means is confirmed and for maintaining said third guidance pattern on the display means until the ordinary transaction is input through the input means, said third guidance pattern including information for selection of the ordinary transaction mode; and fourth information-providing means for providing a fourth guidance pattern to the user on the display means when the ordinary transaction command is input through the input means, said fourth guidance pattern including information for input of the withdrawal amount.
 12. A control system for an automatic transaction machine according to claim 7, further comprising;a transaction-checking means for communicating with a host computer to determine whether a transaction selected by said control system is permissible after the withdrawal amount within the predetermined limit for the quick transaction mode or the withdrawal amount for the ordinary transaction mode is input through the input means. 